I have just been aproved for a mortgage. I have never had a loan or anything that I missed payments on. My bank balance is very healthy. I earn over 30k. Yet their credit system says that I don't meet the minimum specs. I contaced them about it and they said that if I send them on a bank statement and utility bill they can query the problem. But this will take well over a week. I need to have a card in the next 3 weeks if possible. I tried to find out where I could sent this information to in the first place as most credit cards require this information with the application. Any ideas?